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Dipping my orange toes into the water..
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Weight loss is slow but going the right way. 11 7 this morning and off to a hiit class at 9.
Money wise I've decided to save for some new garden furniture. Had a lovely lunch with my mum in her garden and hoping to eat at home more this year. Starting looking online and wow, garden furniture is £££££!1 -
Mortgage overpay of £515 done. So now down to £280,481.89.
Not is the 270s yet but on my way!1 -
Not far off!!MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,850/£5,0002 -
Thanks @powerspowers yes nearly there. Last day of the Easter holidays and went for a beautiful walk in the bluebells. Definitely appreciate good walks and picnics more now and always grateful to have saved the money a restaurant/ cafe would have cost!1
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Well done on the weightloss, mortgage reduction and the lovely walk.
You could look at FB market for outdoor furniture...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
So May has arrived and we have reached the 270s!
Current total: £278,605.01
Starting total: £289,999
Total reduction this year: £11,393.99
Had a lovely weekend away near Bath. Walking, swimming and relaxing. Huge case of the Monday morning blues this morning.
Does anyone ever wonder if working so hard is really worth it??!1 -
Yes 🤣!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
Ha ha, glad it isn't just me!!2
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Amazing to have cleared over £11K this year already though! That's immense!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
So a rather late June updated!
21 more days of school to go hurrah! Can't wait for the long holidays. Work has been full on this year.
Had a nice cheap air BnB trip in the half term. Was very impressed and would definitely do again. Reasonable price as we didn't go to a super well known destination.
Current balance: 276,222,65
Starting balance:289,999
Total reduction: £13,776.35
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